Card Comparison
Chase Sapphire Reserve vs Discover it Miles
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$795/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
200,000 points
Spend $30,000 in 6 months
See issuer
Top Earn Rates
- Chase Travel 8x
- Lyft 5x
- Flights (Direct) 4x
- All Purchases 1.5x
Reward Type
miles
miles
Key Credits
- Annual Travel Credit $300
- The Edit Hotel Credit $250
None
Card Perks
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 more
None listed
Transfer Partners
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
No transfer partners
Common Questions: Chase Sapphire Reserve vs Discover it Miles
Is the Chase Sapphire Reserve or Discover it Miles better for dining?
Chase Sapphire Reserve earns 3x on dining; Discover it Miles has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Sapphire Reserve currently offers 200,000 pts signup bonus (spend $30,000 in 6 months). Discover it Miles offers $75 signup bonus. Chase Sapphire Reserve has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Reserve and the Discover it Miles?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Reserve is from Chase and Discover it Miles is from Discover, so they're governed by separate bank policies.